An argument can be made that the model shouldn't exist in the first place, and part of our comments here are to see if we can steer the founding team towards an alternative that extracts value from a different target, in this case the insurance companies rather than individuals or SBs. In a perfect world, YC wouldn't be hedging in favor of a deteriorating healthcare system in the US by betting on this concept, but that's spilled milk under the bridge, so the goal now is to help point the venture a bit differently.

Regrets if you view it as non-productive, but the comments are certainly intended to be (especially my latest one prior to this comment I'm posting now)